Plaid API
- API version 2020-09-14
Vendor coverage
Plaid API changes & breaking changes
Plaid publishes its API as an OpenAPI spec and versions it with dated releases. Detektu diffs every revision, because in a financial data integration a silently changed field is a reconciliation incident waiting to happen.
Last checked Oct 21, 2026, 8:49 AMLast change detected Oct 15, 2026, 7:46 PM
Detected changes
Latest Plaid API changes
Every entry is a change Detektu detected in Plaid's published contracts, with exact before/after evidence on its page.
- InfoResponse required property added: link_session_id
openapi:POST /user_account/session/get::response.200.application.json.link_session_id - InfoResponse optional property added: idv_session_status
openapi:POST /user_account/session/get::response.200.application.json.idv_session_status - InfoRequest property became nullable: street
openapi:POST /user/update::request.application.json.consumer_report_user_identity.primary_address.street - InfoResponse optional property added: paired_item_id
openapi:POST /user/items/get::response.200.application.json.items.items.paired_item_id - InfoRequest property became nullable: street
openapi:POST /user/create::request.application.json.consumer_report_user_identity.primary_address.street - InfoRequest property enum value added: adjustment
openapi:POST /transfer/event/list::request.application.json.event_types.items. - InfoNew optional request property: user_attributes
openapi:POST /transfer/authorization/create::request.application.json.user_attributes - InfoResponse optional property added: paired_item_id
openapi:POST /transactions/get::response.200.application.json.item.paired_item_id - InfoNew optional request property: account_id
openapi:POST /sandbox/transactions/create::request.application.json.transactions.items.account_id - InfoNew optional request property: options
openapi:POST /sandbox/item/fire_webhook::request.application.json.options
Coverage
What Detektu monitors
Official products and contracts checked for changes.
Change model
How Plaid ships changes
The release patterns that shape your integration risk.
Plaid's dated API versions gate breaking changes, but the spec still moves continuously: new products, new webhook payloads, extended enums on transaction categories. Financial integrations tend to consume a narrow, critical slice of that surface.
Detektu reports every change with exact evidence and lets you declare the endpoints and fields your ledger logic depends on, so enum extensions you don't parse stay informational while changes under your reconciliation path escalate.
Monitored for you
Do Plaid's changes affect your integration?
Choose the operations and fields your services use. Detektu matches Plaid findings to that declared usage so your team can review the relevant evidence. No agent or repository access required.